Health Insurance for Freelancers & the Self-Employed
No employer plan, no problem. We help independent contractors, freelancers, and small business owners find coverage that fits a 1099 income and an unpredictable schedule.
Coverage Options When You're Your Own Employer
Without an employer plan, self-employed workers and 1099 contractors have to navigate the individual market on their own — ACA Marketplace plans, private PPO plans, and even options tied to a spouse's coverage or a professional association. We'll walk through your income, household, and healthcare needs to find the option that actually makes sense.
Frequently Asked Questions
Can self-employed health insurance premiums be tax-deductible?
Many self-employed individuals can deduct health insurance premiums on their taxes, subject to IRS rules. We're not tax advisors, so we'd recommend confirming specifics with your accountant, but we can point you toward plans that work well with this deduction.
What if my income varies month to month?
Variable income is common for 1099 workers and freelancers, and it can affect ACA subsidy estimates. We'll help you plan for that variability when choosing a plan and estimating subsidies.
Is private insurance better than ACA for the self-employed?
It depends on your income, subsidy eligibility, and preferred providers. We compare both so you can see the real numbers before deciding.
Can I get coverage outside open enrollment?
Yes, in many cases. Private plans are often available year-round, and certain life events can open a special enrollment window for ACA plans too.
Ready to See Your Options?
Get a free, no-obligation quote from Andres Zelada — licensed broker, all major carriers, English & Spanish.